CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) loans are collateral-free credit facilities — up to ₹5 Cr — backed by a Government of India guarantee. They are designed for new and existing MSMEs that don't have hard assets to pledge, with the guarantee cover allowing banks to lend without third-party collateral.

Yes. Approvals for sub-700 CIBIL profiles are possible when the application is structured right — choosing the appropriate lender, the correct product (often LAP or business loan), adding a co-applicant, or strengthening the income story. We routinely close cases that have been turned down by direct banks.

Typically: KYC of borrower and entity (PAN, Aadhaar, business registration), last 2-3 years' ITRs with computation, audited financials, 6-12 months' bank statements, GST returns, and proof of business continuity. Exact list varies by lender and loan size — your relationship manager will share a tailored checklist.

In-principle approvals can come in 24-72 hours for clean profiles. Full disbursement timelines depend on the product: personal loans 2-5 working days, home loans and LAP 10-20 working days post valuation and legal.